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Re: Wealthfronts tax loss harvesting 1% justifies their .25%

For a taxable account, does anybody know what ETFs are used for the bond portion? Are they using taxable bond ETFs? It looks like that they TLH between these funds (with MUB being the preferred for more diversification and lower expenses): MUB (iShares S&P National AMT-Free Muni) TFI (State Str...
by charles_shaw
Sat Nov 16, 2013 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wealthfronts tax loss harvesting 1% justifies their .25% aum
Replies: 20
Views: 1457

Re: Wealthfronts tax loss harvesting 1% justifies their .25%

Perhaps they excel at generating losses? :( Bruce They don't generate loss more than the (usually Vanguard) index funds they put your money in. Their continues tax-loss harvesting is simply reaping some of the benefits of TLH over the normal fluctuations of the market. Wealthfront is very transpare...
by charles_shaw
Fri Nov 15, 2013 10:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wealthfronts tax loss harvesting 1% justifies their .25% aum
Replies: 20
Views: 1457

Re: Bogleheads style portfolio for a Trust?

Thanks for the input about real-estate/land. I agree that for simplicity's sake, it's best to stick with a typical bond/equity fund portfolio. The trustee (mother) will be managing the portfolio, so we would want to keep it as low maintenance with an AA defined in an IPS, and stick to it as while be...
by charles_shaw
Wed Jan 30, 2013 7:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bogleheads style portfolio for a Trust?
Replies: 17
Views: 1051

Bogleheads style portfolio for a Trust?

Hello all, I want to present a scenario that may unfold for me in the near future and tap into the collective wisdom here on these forums. It's not exactly the standard nest egg portfolio check I'm used to reading on this forum. A wealthy relative is establishing a generation-skipping trust (skippin...
by charles_shaw
Tue Jan 29, 2013 10:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bogleheads style portfolio for a Trust?
Replies: 17
Views: 1051

Re: Cohan: Small Fish Burned in Facebook IPO Knew Better

I am young and work in tech/internet. To most familiar with the tech world, Facebook's $100 billion valuation seemed ludicrous. Yet at the same time nearly every financial and media organization just parroted and magnified the hype without asking critical questions why Facebook was worth so much. As...
by charles_shaw
Mon Jun 04, 2012 5:55 pm
 
Forum: Investing - Theory, News & General
Topic: Cohan: Small Fish Burned in Facebook IPO Knew Better
Replies: 31
Views: 2665

Re: Understanding employment status for SEP-IRA contribution

Thanks for the link. The excerpt below makes me feel like I am an employee and not an independent contractor (from this page http://www.irs.gov/businesses/small/article/0,,id=179115,00.html) You are not an independent contractor if you perform services that can be controlled by an employer (what wil...
by charles_shaw
Mon Apr 23, 2012 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Understanding employment status for SEP-IRA contributions
Replies: 3
Views: 405

Understanding employment status for SEP-IRA contributions

Hi all, I'm trying to understand what my options are for retirement accounts. I'm a 25 year old web-developer. Last year I quit my full-time job to pursue various freelance opportunities. Currently I work about 30 hours/week for a single company as a contractor -- I'm paid hourly, not salary, get no...
by charles_shaw
Mon Apr 23, 2012 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Understanding employment status for SEP-IRA contributions
Replies: 3
Views: 405

Thanks centrifuge41! I've updated my post above to include info about my roth and taxable accounts. Currently only about 10% of my portfolio is in my roth, 90% being in a taxable account. As I have more time to make my annual Roth contribution, I will move tax inefficient assets into my Roth from my...
by charles_shaw
Mon Sep 19, 2011 4:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25 year old trying to organize investment strategy
Replies: 2
Views: 728

25 year old trying to organize investment strategy

I have never really had an investment plan before and sometimes feel like I’m running around with my head cut off. For the past couple of months I have been scouring the internet for examples of investment statements I could borrow from – something that could give me some clear guidelines and a mode...
by charles_shaw
Mon Sep 19, 2011 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25 year old trying to organize investment strategy
Replies: 2
Views: 728

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